Variable Life Insurance

Offered through The Northwestern Mutual Life Insurance Company

Variable Universal Life products offer a variety of features and options which can be used to meet your individual objectives. By offering a high level of death benefit and premium flexibility, you can customize the policy to meet your changing objectives. These products offer a variety of death benefit guarantee options and investment choices.

Key Policy Features:

  • High level of premium and death benefit flexibility.
  • Choice of increasing or level death benefit options.
  • Policyowner assumes investment responsibility.
  • Coverage for life may require additional premium payments.
  • Cash values are not guaranteed.
  • Death benefit guarantees are available (Custom Variable Universal Life and Executive Variable Universal Life only).

When to Use:

  • When you have a long term time horizon.
  • When you want to make an appropriate subsequent purchase to round out an existing insurance portfolio.
  • When you want to invest your policy values more aggressively than Northwestern Mutual invests the funds for a traditional policy.
  • When you can tolerate volatility of investment returns.
  • When you have the ability to pay premiums over an extended period of time.

Types of Policies Available:

  • Custom Variable Universal Life: Combines a universal life insurance policy with variable investment options. It provides death protection with a variety of optional guarantee periods. This policy can be custom-designed to meet your needs.+
  • Executive Variable Universal Life: Combines a universal life insurance policy with variable investment options for employers who wish to purchase a life insurance product for their employees. The policy provides death protection with a variety of optional guarantee periods.+
  • Survivorship Variable Universal Life:  Combines a universal life insurance policy with variable investment options. Insures two lives, paying a death benefit on the second death.+

 

*Guarantees are based on the claims-paying ability of Northwestern Mutual and are not a reflection of the performance or stability of money invested in the variable (nonfixed) funds.

+You should carefully consider the investment objectives, risks, expenses and charges of the investment company before you invest. Your Northwestern Mutual Investment Services Registered Representative can provide you with a contract and fund prospectus that will contain the information noted above, and other important information that you should read carefully before you invest or send money.

Issuer: The Northwestern Mutual Life Insurance Company (Northwestern Mutual), 720 E. Wisconsin Avenue, Milwaukee, WI 53202-4797.

Principal Underwriter: Northwestern Mutual Investment Services, LLC (NMIS), Suite 300, 611 E. Wisconsin Avenue, Milwaukee, WI 53202 1-866-664-7737, member FINRA and SIPC.

 

NMFR-VL-001 (0408)

Ralph J Rotman, CLU®, ChFC®, AEP®, CAP®

Financial Advisor